George Bernard Shaw expressed it in Mrs. Warren's Profession:
People are always blaming their circumstances for what they are. I don't believe in circumstances. The people who get on in this world are the people who get up and look for the circumstances they want, and if they can't find them, make them.
Changing your financial situation is possible. You can do it. But it's not always easy. Mastery of your financial situation means you are the decider of your fate. You are not a coper, or a surviver, or someone who simply "adjusts" to the world.
If you want to eliminate your credit card debt or pay off your home in 5 years, you will need to recognize that you can always grow, always improve, and become the financially independent person you see when you look in the mirror.
You choose the world in which you live. The world does not choose you.
You choose to wipe out credit card debt once and for all. It is a choice. Decide now to wipe out your credit card debt. Save your home. Just do it!
Your mind is really, truly, legtimately your own mind. It's not what others think, it's only what you think. It's your life. Don't let anyone live it for you.
Michael Mack, Attorney and The Credit Man